Comparison

SpendWidget vs Penny Pilot

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SpendWidget

This finance app focuses on your daily spending, offering clear totals with weekly and monthly context. It helps you understand your habits at a glance to make better financial decisions without overwhelming charts or complex budgets.

Highlights
  • Daily spending totals
  • Weekly spending context
  • Monthly spending context
  • Clear habit understanding
  • Simplified financial decisions
Features
Read full description

SpendWidget helps you stay aware of your spending by focusing on one simple question: How much did I spend today? Instead of overwhelming charts and complicated budgets, SpendWidget provides clear daily totals with weekly and monthly context—so you can understand your habits at a glance and make better decisions over time. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Penny Pilot

This app offers private, offline expense tracking without requiring accounts or bank linking. It provides detailed spending breakdowns, budget setting, and optional advanced features like multi-currency support and AI-powered insights.

Highlights
  • Private, offline expense tracking
  • No account or bank linking required
  • Detailed spending breakdowns
  • Budget setting and tracking
  • Multi-currency support
  • On-device AI insights
  • Card expiration reminders
Features
Read full description

Some apps need to know everything about you before they can help with anything. Penny Pilot doesn’t. Most people don't need another app tracking them to understand their money better. They need one that just shows them the truth, quietly, without asking for anything in return. That's what this is! No account to create. No bank to link. No server sitting between you and your own money. Every transaction, every wallet, every budget you set up stays right there on your device, and it stays there because that was the whole point from the start. We didn't bolt privacy onto an existing app. We built the app around it. Set a limit and hold yourself to it. Pull up your full spending history whenever curiosity strikes or ask the on-device Apple Intelligence to summarize your spendings and give you insights. That's the whole app, and it's fast enough that you'll actually use it. What you get for free: • Real privacy. No cloud, no account, no one watching. Lock things down with Face ID, Touch ID, or a passcode. • No ads. Not one. Not ever! • As many transactions as you want, each one able to carry notes, a photo and even a location if you want the full picture. • Up to two wallets in your default currency, whenever you're ready to set them up. • A clear and complete monthly breakdown of where your money actually went. • A heads up before your card expires, so you're never caught off guard. When you're ready for more, there's Penny Pilot Pro: Everything above, plus the tools for people who want to go deeper. • Apple Intelligence summaries that quietly turn your transactions into insights, generated privately, right on your phone. • Multi-currency support, so wallets in different currencies live comfortably side by side. • Budgets with real limits and real-time tracking, so staying on target actually feels manageable. • As many wallets as you need, each one customizable with it’s own colors and designs. • Yearly statistics, so you can pull up any year and see the whole story, not just one month at a time. Try Penny Pilot Pro free for 7 days. No pressure, just see if it fits how you actually manage money. Terms of Use: https://www.getpennypilot.app/terms.html Privacy Policy: https://www.getpennypilot.app/privacy.html Contact Us: support@getpennypilot.app

Screenshots

SpendWidget4 screens
Penny Pilot4 screens

Verdict

The call

The clearest difference is ratings volume: SpendWidget at 4 against Penny Pilot's 1. On price, rating, review sentiment and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. SpendWidget sells 3 in-app purchases, starting at $1.49 per month and Penny Pilot sells 6 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for SpendWidget against 5.0 for Penny Pilot. Both are backed by a comparable volume of ratings — 4 and 1 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Scorecard1 real difference · 9 level
SpendWidget versus Penny Pilot: the parameters behind the verdict, then further details
ParameterSpendWidgetPenny Pilot
PriceFreeFree
Rating5.0 (4 ratings)5.0 (1 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings4 — better1
Update frequencyFortnightly—
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad — betteriPhone
Requires iOS26.126.0 — better
Further details — not scored
Size12 MB29 MB
Age rating4+4+
DeveloperMichael SullivanBabak Ramazanilar

Customer experience

SpendWidget

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Penny Pilot

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

SpendWidget

Subscriptions3
  • SpendWidget Pro7 Days trial$1.491 Month
  • SpendWidget Pro7 Days trial$2.991 Month
  • SpendWidget Pro7 Days trial$19.991 Year
6 purchases

Penny Pilot

Subscriptions2
  • Pro Monthly7 Days trial$2.991 Month
  • Pro Yearly7 Days trial$24.991 Year
One-time4
  • Small Tip$1.99
  • Medium Tip$4.99
  • Large Tip$9.99
Show 1 more
  • Pro Lifetime$69.99

Questions

Is SpendWidget free?
SpendWidget is free to download, with in-app purchases available.
Is Penny Pilot free?
Penny Pilot is free to download, with in-app purchases available.
Which has better reviews, SpendWidget or Penny Pilot?
SpendWidget and Penny Pilot are both rated 5.0 out of 5 on the App Store, from 4 and 1 ratings respectively.
Do SpendWidget or Penny Pilot have ads?
Neither SpendWidget nor Penny Pilot shows ads.

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